Get multiple home insurance quotes in 13355. Our licensed 13355, NY agents are ready to serve you.

13355 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 13355? There are over 297 occupied homes in the 13355 area. With a population size of 856, it's not uncommon for residence of Hubbardsville, NY to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in New York is around $1,042 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 13355 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Hubbardsville, NY Home Insurance Rate Quotes

13355 Home Insurance Average Premiums

Local 13355 homeowners insurance quotes comparison

$792 /yr.

Shows Zip Code: 13355 lowest rates with discounts applied on average.

For the 13355, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$792 /yr.
Average Coverage:$1042 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1342 /yr.

What is the average home insurance cost for a home in 13355?

  • • The average homeowners insurance premium paid annually for a home in 13355 is around $1042 per year.

What does it cost on average per month for home insurance in 13355?

  • • Homeowners in 13355 pay a monthly average cost per month around $87.00.

What kind of discount could I get if I combine my home and auto insurance together in 13355?

  • • Autoowners in 13355 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Hubbardsville, check out other zip codes nearby 13355.
To review average rates in another zip code, click on a zip code below:
13355  | 

Home Replacement Cost Coverage in 13355

Average Building Cost Per Square Foot in 13355: $205

Location: Hubbardsville, New York (Madison County)

Average Square Footage in 13355: 772 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13355 before you start any project. Hubbardsville homeowners pay on average around $205 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 13355 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 13355 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 772 sq. ft. and the average cost to rebuild the home in this area is around $205 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Hubbardsville area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$205772$158,300
Additional Upgrades & Added Features$256772$197,875
Major Home Updates or Advancements$308772$237,450

It's important to understand that when you estimate your replacement cost of your home in the 13355 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 13355

Best Home & Auto Insurance Agencies in 13355

Housing Demographics for 13355

Population Review for 13355 Zip Code

For the city of Hubbardsville, the population within 13355 has increased to over 934 residents in population size. The current population total is 856. We have broken down the population based on race below. In 13355, there are over 440 in male population and 416 females.

PopulationValues
Total Population856
White Population783
Black Population4
Hispanic Population25
Asian Population4
Hawaiian Population0
Indian Population2
Other Population5
Male Population440
Female Population416
Population Estimate934

Household Data for 13355

The average number of homes in 13355 is around 297, there are an average of 2.85 per household. The average house value according to local real estate values is around $158,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode297
Persons Per Household2.85
Average House Value$158,300
Income Per Household$62917
Median Age44.5
Median Age Male42.0
Median Age Female46.4
13355 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code315
CityHubbardsville
City Alias NameHUBBARDSVILLE
CountyMadison
County FIPS053
State FIPS36
Time Zone5
Day Light SavingY
MSA8160
PMSA
CSA532
CBSA45060
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSyracuse, NY
MSA_NameSyracuse, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses9
Number Of Employees41
Business First Quarter Payroll398
Business Annual Payroll1732
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population662577
CBSA Division Population0
Congressional District22
Congressional LandArea5077.45
Delivery Residential328
Delivery Business6
Delivery Total355
Preferred Last Line KeyV13957
Classification Code
Multi-County
CSA NameSyracuse-Auburn, NY
CBSA_DIV_Name
City State KeyV13957
Land Area32.492000
Water Area0.031000
City Alias Code
City Mixed CaseHubbardsville
City Alias Mixed CaseHubbardsville
Box Count16
SFDU328
MFDU0
State ANSI36
County ANSI053
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number354000
Unique ZIP Name
SSA State County Code33360
Medicare CBSA Code45060
Medicare CBSA NameSyracuse, NY
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseMadison

New York Homeowners Insurance News & Information

  • Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025

    According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]